Closing Disclosure Timing Check

Check a closing date against the three-business-day closing disclosure rule. Preparation only, not an account action.

What to provide

The closing date and the date the closing disclosure was received.

How it works

1. Record the closing date.
2. Record the disclosure receipt date.
3. Count business days between receipt and closing.
4. Return the check without lender contact.

The output

loan | closing_date | disclosure_received | business_days | required_days | compliant

Worked fictional example

Fictional closing is set for the 15th and the closing disclosure was received on the 13th: 2 business days before closing, short of the required 3 by 1 day.

Checks and limits

Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

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Method: reviewed source. Demand lead: Documented real-estate workflow need from the reviewed source; not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured. Checked October 24, 2026.